to remain subdue stemming from 1) the continuing trade tensions between the US and trading partners, particularly China which may impose risks to exports growth and 2) the continuing high level of

remain subdue stemming from 1) the continuing trade tensions between the US and trading partners, particularly China which may impose risks to exports growth and 2) the continuing high level of household

be Baht 446.70 million or an increase of 33.26 percent, due to expansion of distribution channels and effective cost management having resulted in maintaining profit margin at a good level. (2

การลงทุน (investment horizon) และระดับในการยอมรับความเสี่ยง (risk tolerance level) ของผู้ลงทุน ประกอบกัน (4) ผู้ขายต้องแจกหนังสือชี้ชวนส่วนสรุปส าคัญ (fact sheet) ให้กับผู้ลงทุน (5) ผู้ขายต้องจัดท า

confidence coupled with the already high household debt level. Nevertheless, the non-durable goods increased partly from the rush in purchase of consumers goods due to the concerns on the COVID-19 outbreak

for any potential impacts on our loan level, deposits and liquidity, both short- and long-term, to ensure that we adopt appropriate fund-raising strategies. 2.4 Operational Risk KBank has conducted

equity of the Group was considerably low at 0.25 time, same level as 0.25 time as at December 31, 2019. In summary, the Company had appropriate capital structure. GFPT Group Expansion Plan In the next 3- 5

in the long run. Given the current situation, the Company anticipates that it will take approximately 3 years to see revenues come back to before COVID-19 level. Phase 1 : Domestic tourism With

declined from the contractions in vehicle sales in line with the weakened household income from lower income, employment and consumer confidence coupled with the already high household debt level

of sale was increased due to liquidated damages from lower water level. EGCO Plus (Include Gen Plus B.V. and North Pole): Unit : Million Baht Quarter 3 Increase/(Decrease) 2020 2019 Amount